(A) The Company decides that the bank has not delivered ample justification for that approach and every element of the strategy as essential pursuant to paragraph (d) of this part;
indicates a financial institution that is not during the company of extending closed-end home property finance loan loans, compact organization loans, smaller farm loans, or automobile loans evaluated under § 228.
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(v) To accumulate ownership or Charge of shares or all or substantially most of the assets of the financial savings association, to result in a financial savings Affiliation to be a subsidiary of a financial savings and loan holding company, or to merge or consolidate a savings and loan holding organization with every other savings and loan holding enterprise in a very transaction that requires acceptance underneath segment ten of the Home Proprietors' Loan Act (twelve U.S.C. 1467a).
A bank subject to this portion could request which the Board verify that a loan, financial investment, or support is eligible for community improvement consideration by publishing a request to, and in a structure prescribed by, the Board.
The CRA and this component usually do not need a bank to originate or acquire loans or investments or to offer providers which are inconsistent with safe and seem banking procedures, including underwriting benchmarks.
) A lender might use alternate weights for combining the borrower and geographic distribution analyses for main click here merchandise line(s) or other loan products and solutions.
To guage a financial institution's retail banking expert services, the Board considers a financial institution's branch availability and expert services furnished at branches, distant services facility availability, and electronic delivery methods and various delivery systems, as follows:
The Board evaluates The supply and responsiveness of a bank's digital delivery systems along with other delivery systems, such as to low- and average-profits people today, people, or homes on the establishment stage by considering:
) The quantity of checking and savings accounts opened digitally and through other supply methods which can be Lively at the end of Each individual calendar yr by census tract money degree for every calendar calendar year.
) of this area in exactly the same calendar yr, of the Local community progress loan refinanced or renewed inside of a calendar year subsequent on the year of origination or purchase, as of December 31 from the calendar year for annually that the loan remains to the lender's stability sheet; or an current Local community development expense renewed in the 12 months subsequent on the calendar year the expense was made as of December 31 for each year which the expenditure remains around the lender's stability sheet.
Pursuant to § 228.28 and appendix C to this aspect, the Board assigns conclusions for your financial institution's Neighborhood Development Services Check overall performance in Every facility-primarily based assessment location, Every single Condition or multistate MSA, as applicable, and with the establishment.
A large financial institution should obtain and manage in electronic kind, as prescribed because of the Board, right up until completion on the financial institution's up coming CRA examination in which the information are evaluated, the following facts with respect to retail banking products and services and retail banking merchandise provided and provided by the lender in the course of each calendar 12 months: